Getting onto the property ladder can be exciting – but also daunting.
From finding the right type of mortgage, rates and offers to getting to grips with all the associated costs and charges and beyond, there’s a lot to think about.
The good news is that you don’t have to do it alone – our first time buyer mortgage advisers are ready to support you through every step of the process.
As your independent first time buyer mortgage adviser, we will:
Understand your position
We’ll take the time to understand your circumstances, your budget and your hopes for your first home. From your deposit and income to your wider plans, we’ll help you build a clearer picture of what may be possible.
Explore suitable mortgage options
We’ll search thousands of mortgage deals from across the market to help you find a mortgage that suits you. We’ll also explain the details clearly, including rates, repayments, associated costs and what lenders may need from you.
Guide you through each step
From your application through to surveys, offers and completion, we’ll be on hand to answer your questions and keep things moving. Our aim is to make the process feel simpler, clearer and more manageable from start to finish.
We search thousands of mortgage deals to find the one that’s right for you.
Not all lenders use the same calculation or even the same income to calculate borrowing. For example, if you’re a limited company director, some lenders will look at salary and net profit, while others focus on salary and dividends.
Our experienced, independent first time buyer mortgage advisers can guide you through similar complexities and much more, helping you understand what you may be able to borrow and which mortgage options could be suitable for your circumstances.
Zero deposit mortgages
Zero deposit mortgages may be available to you as a first-time buyer if you do not have a deposit. They can provide a stepping stone onto the property ladder, particularly for people currently renting who can afford monthly repayments but have found it difficult to save a deposit. We can help you understand whether this type of mortgage could be suitable for you and explain the eligibility criteria, risks and requirements involved.
Joint borrower sole proprietor mortgages
A joint borrower sole proprietor mortgage, sometimes known as a guarantor mortgage, is designed for buyers who need help boosting their borrowing power. It allows another person, often a family member, to be included on the mortgage application without being named on the property deeds. We’ll talk you through how this works, what lenders may require and the responsibilities involved for everyone named on the mortgage.
Let’s help you get your foot on the first rung of the property ladder.
Whilst the idea of waking up in your own home for the first time might feel like a distant dream, we are on hand to help you overcome any hurdles along the way.
Arranging a free consultation with a member of our Mortgages and Protection team is a great first step towards realising that dream. There’s no obligation to use our services afterwards, but it’s a good opportunity to see how we can support you on your journey.
Important information:
We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Remember your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage products can change or be withdrawn at any time and are subject to underwriting.